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6/6/2015
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Be Prepared for the Tricks Insurance Adjusters Use

Car insurance adjusters have a bevy of tricks up their sleeves when it comes to dealing with accident victims. Here we discuss how to fight them.

Category: Insurance Coverage Disputes & Bad Faith Claims

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1/26/2015
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Sneaky Tactics Used by Insurance Companies

Insurance companies often aim to get out of paying their policy holders their settlements, and use a variety of tactics to do so.

Category: Insurance Coverage Disputes & Bad Faith Claims

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1/24/2015
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Dealing With a Sneaky Insurance Adjuster

You suspect the insurance adjuster you’re dealing with is sneaky and has a few tricks up his sleeve. Here’s how you can avoid being played for a fool.

Category: Insurance Coverage Disputes & Bad Faith Claims

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6/15/2014
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Seattle Bad Faith Lawyer Discusses Signs of Bad Faith

How do you know if you have a bad faith claim? A Seattle bad faith lawyer discusses some of the signs.

Category: Insurance Coverage Disputes & Bad Faith Claims

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1/6/2014
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When an Insurance Company Delays, Defends, Denies—Don’t Stand For It!

An insurance company delays your recovery, defends against your recovery, or simply denies your recovery. Don’t stand for it or you will pay the price.

Category: Insurance Coverage Disputes & Bad Faith Claims

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2/6/2013
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Three Reasons Why Insurance Companies Delay Payments

A Washington bad faith insurance attorney explains three different reasons why insurance companies will wrongfully delay an insurance claim payment.

Category: Insurance Coverage Disputes & Bad Faith Claims

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5/17/2009
Andrew Kim
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What is collision coverage and should I purchase it?

Collision coverage is a type of voluntary coverage you can purchase which provides for the repair or replacement of your own vehicle after an accident, regardless of whether or not you are at fault.

This is different than property liability insurance coverage.  An innocent victim of an accident may present a claim for the property damage under his own collision coverage or under the negligent driver's property damage liability insurance coverage.  Your own collision coverage normally includes a deductible, whereas property damage liability insurance coverage does not.  In an automobile accident case, after a claim has been paid under your collision coverage, the insurance carrier who paid the claim may proceed against the property damage liability insurance carrier for the negligent driver to recover the amount paid out and refund you for your deductible. 

The Andrew Kim Law Firm represents people involved in a insurance coverage dispute and bad faith claims.  Call us at (425) 289-1990 in Bellevue and surrounding areas or toll free at 1-800-636-3676.



Category: Insurance Coverage Disputes & Bad Faith Claims

12/6/2008
Andrew Kim
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Olympia, Washington

It's been one year since the hotly-debated Referendum 67 became law.
Washington's Insurance Fair Conduct Act (IFCA) created a process for consumers who feel their insurance companies have not promptly and fairly settled a valid claim. It requires insurance companies to deal in good faith when settling claims, or risk having to pay a policyholder triple damages if the company ends up losing the case in court.


What is the Insurance Fair Conduct Act?
The Insurance Fair Conduct Act provides remedies to policyholders whose claims are unreasonably denied by their insurance companies or whose insurance companies violate particular regulations governing claims settlement practices.  It took effect December 6, 2007.

What is covered by this law?
The law covers policyholders whose insurance company unreasonably denied their claim. It also covers a policyholder whose insurance company violated certain laws governing claims settlement practices.

  • For example: Insurance companies must acknowledge their policyholders’ letters and phone calls about their claims, must promptly investigate claims, and must promptly and fairly settle valid claims.

The law applies only to claims made by insured people to their own insurance companies. It does not apply to claims made by one person to someone else’s insurance company.

  • For example: If a person has been in a car accident, this law applies to a claim made by an insured under his own policy to his own insurance company. It does not apply to someone making a claim against another person’s insurance company.

 

Does the law cover all insurance companies?
No. It doesn't apply to claims under health insurance policies. It applies to claims under other kinds of policies, including policies that include medical costs as part of that coverage.

  • For example: It applies to claims under car and homeowner’s policies, even though reimbursement for health care services may be covered by those policies.

The Patient’s Bill of Rights provides consumer protection for policyholders of health insurance coverage.


What does this law require of the policyholder?

If an insured person wants to sue his or her insurance company for violating one of these laws, the policyholder must mail written notice of the potential lawsuit to the insurance company and to the Office of the Insurance Commissioner at least 20 days before the lawsuit is filed.


What will the Office of the Insurance Commissioner do with the notice?

When the agency receives each notice, we will stamp it with the date it was received, and file it in a designated location. Then, if there is a question about whether the insured person filed the notice in accordance with the law, the custodian of the notices will be able to certify whether, and when, it was received.

For more information

RCW 48.30.010 - Unfair practices in general - Remedies and penalties

RCW 48.30.015 - Unreasonable denial of a claim for coverage or payment of benefits.



Category: Insurance Coverage Disputes & Bad Faith Claims